Limited literature is available on strengthening techniques of reinforced concrete (RC) panels for extreme loading like hard projectile impact. This paper critically investigates the ballistic behavior of RC panels safeguarded by protective layers when subjected to hard projectile impact. RC panel of size 1 m × 1 m × 0.12 m along with hemispherical nosed projectile are modeled and analysed numerically using LS Dyna. The ballistic limit of the uncoated RC panel is studied, followed by studying the influence of polyurea coatings on its perforation characteristics. Various thicknesses of polyurea coatings are considered on the front and back faces of the panel. The ballistic resistance is studied in terms of crater formation, depth of penetration (DOP), and deceleration of the projectile. Results show that polyurea thickness in the range of 2 to 5 mm on the front/impact face plays a significant role in enhancing the ballistic resistance of the RC panel. Notably, improvements beyond 5 mm thickness are negligible. Additionally, the study reveals that applying polyurea coating on the impact face of the panel proves more effective than on its back face.